Communications and analysis system

ABSTRACT

An electronic communications method includes sending, by a user device, an electronic communication to a device. The electronic communications method further includes receiving, by the user device, an electronic confirmation message. The electronic communications method further includes sending, by the user device, electronic information. The electronic communications message further includes receiving, by the user device, a value. The value is based on electronically analyzing simultaneous electronic information being sent to the device. The electronic communications message further includes receiving, by the user device, an electronic recommendation message. The electronic recommendation message includes a recommended schedule of communications based on the score. The electronic communications method further includes sending, by the user device, an electronic request message based on the value and the electronic recommendation message.

BACKGROUND

Various computer applications allow for multiple individuals to interactwith each other by using various technological process that useelectronic text, email, video, and audio messaging systems. However,these particular computer applications do not allow for a user tointeract with other users by using past behavioral metrics, statisticsand patterns to schedule future communication events and activities.

BRIEF DESCRIPTION OF DRAWINGS

FIG. 1 is a diagram of an example environment in which systems and/ormethods described herein may be implemented;

FIG. 2 is a diagram of an example computing device;

FIG. 3 is a flow chart of an example process for creating logincredentials;

FIG. 4 is a flow chart of an example process for analyzing information;

FIG. 5 is a flow chart of an example process for sending a request;

FIG. 6 is a flow chart of an example process for determining anelectronic decision;

FIG. 7 is a flow chart of an example process of receiving multipleelectronic communications;

FIG. 8 is a flow chart of an example process of determining to send anelectronic acceptance message;

FIG. 9 is an example database structure that stores electronicinformation; and

FIGS. 10-12 are example diagrams for sharing electronic communications.

DETAILED DESCRIPTION OF PREFERRED EMBODIMENTS

The following detailed description refers to the accompanying drawings.The same reference numbers in different drawings may identify the sameor similar elements.

Systems, devices, and/or methods described herein may allow for a user,using an electronic application, implemented on a computing device(e.g., smartphone, laptop, etc.), to interact, via secure electroniccommunications processes, with other users that could be based onbehavioral metrics of the user and the behavioral metrics of otherdifferent users. For example, a user, using a computing device, maydecide to use an electronic application to provide electronicinformation relating to that user's personal history (e.g., age,address, status, etc.). In embodiments, the information may beelectronically inputted by the user or obtained automatically based uponan identifier associated with the user. As such, based on the receivedelectronic information, the electronic application may analyze theuser's electronic information as well as other user's electronicinformation. In embodiments, the analyzed electronic information may bepast communications or the lack of past communications, past eventsand/or activities. Furthermore, the analyzed electronic information mayinclude analyzing the amount of time that has occurred beyond a deadlineupon which a particular communication, event and/or activity wassupposed to occur. In embodiments, a recommendation is generated basedon the analysis of the information provided by the user in theelectronic application. In embodiments, the recommendation may contain acall to action by the user, based on the analysis and score determinedby the electronic application. In embodiments, the call to action maysuggest that the user engage in electronic communications processes byacting as a requesting party, inviting a receiving party to communicatevia the electronic application.

In embodiments, not only by user's decision, but upon analyzing theuser's electronic information, the electronic application may alsoprovide an electronic message that recommends future electroniccommunications for an outstanding matter between the user and otherparties. In embodiments, one or more users may act as the requestingparty to invite one or more other parties acting as the recipient partyto establish communications and/or negotiations via an electronicapplication through any of the invitation methods of establishingcommunications described above. In embodiments, such invitation is basedon the individual user's decision and/or by the recommendations ofelectronic application. For example, the electronic application mayinclude a recommendation that the user initiate a single communicationor multiple communications before a particular time in the future. Inembodiments, the user may electronically accept the communicationssystem's recommendation or may provide their own alternative relating towhen to initiate future electronic communications. Once the user hasdecided, the user provides their decision to the electronic applicationand the electronic application may send an electronic message including,but not limited to, the primary or alternative types of communications,chosen by the user, between the user and the electronic application.Thus, in embodiments, the requesting user may forward their decision toengage in a communication process through the electronic application toa recipient user (e.g., a recipient party). In embodiments, therequesting user may send such decision by certified mail, courier, fax,the electronic application, and/or other methods. In embodiments, oncethe requesting user's decision is sent to the recipient party the otherrecipient party may only communicate with the requesting user via thecommunications system associated with the electronic application. Inembodiments, the recipient party must electronically accept therequestor's decided method of electronic communications by signing up inthe electronic application before the electronic application can provideany electronic communications based on the requesting user's proposedschedule of electronic communications.

In embodiments, once the recipient party becomes a user of theelectronic application, the recipient party user may send an electronicmessage to the requesting user, via the electronic application, thatindicates whether the recipient party accepts the requesting user'sproposed schedule of electronic communications or whether the recipientuser has rejected the request. Once the recipient user has decided on aschedule, the recipient user may input another electronic message,including the schedule, via the communications system within theelectronic application, to the requesting user. In embodiments, therequesting user and the recipient party may come to an agreement basedon the schedule of the electronic communications established for furtherelectronic messages between the requesting user and the recipient party.

Accordingly, in embodiments, the invitation method of establishingcommunications (e.g., electronic and/or non-electronic) between users ofthe electronic application includes (1) a requesting party selecting theinvitation method by which they wish to initiate establishment ofcommunications with the recipient party within the electronicapplication; (2) the requesting party enters any additional necessaryuser information and the information about the recipient; (3) a genericinvitation generated by electronic application has generic text andinformation related to the invitation method of communication (e.g.Invitation Letter, etc.); (4) an invitation generated by the electronicapplication that includes specific text and information related to thepurpose of the invitation method of communications (e.g. Cease andDesist Letter, etc.); (5) an invitation generated by the electronicapplication (e.g., a Negotiation Offer, etc.) including specific textand information related to the substance of the invitation method ofcommunication; (6) the electronic application saves the invitation andrelated information; (7) the electronic application electronically sendsthe generated invitation to the user (e.g., via email); (8) the user mayview the invitation within the electronic application in an emailaccount, web browser, etc.; (9) the user selects a method of deliveryfor the invitation (e.g., email, certified mail, fax, etc.) within theelectronic application; (10) the invitation is delivered to theReceiving Party, by the user (e.g., the requesting party), via thedelivery method determined by the user in the electronic application.

In embodiments, the invitation may be responded to within a particularthreshold of time. In embodiments, if the invitation is not accepted orresponded to within the particular threshold of time, a new invitationmay be generated based on the processes described above. In embodiments,a method of communication may be chosen for the new invitation.

In embodiments, once the recipient party accepts the invitation,recipient party account setup information is verified and authenticated.In embodiments, if the information provided in the invitation does notmatch information provided by the recipient party within the electronicapplication, the account is not set up. In embodiments, afterelectronically confirming and verifying the account information,communications between the two parties may be initiated via theelectronic application. In embodiments, multiple channels ofcommunications are initiated and all communications channels between thetwo parties are private and secured.

If the recipient party does not set up an account (e.g., does not acceptthe invitation) or the recipient party's account information failsverification and/or authentication process, no communications can beestablished by the electronic application between the requesting userand the recipient party. In embodiments, based on the communicationmethod of the invitation and the type of recipient party, and the timelapse, the electronic application may generate additional electronicrecommendations to the requesting party regarding additional optionsthat may be available to the requesting party. In embodiments, theelectronic recommendations may include using processes outside theelectronic application, a different method of delivery of theinvitation, etc. Accordingly, the purpose of establishing communicationsis to ensure that the recipient party/parties may only communicate withthe requesting party and/or parties via the electronic application. Inembodiments, once the recipient party/parties become registered with theelectronic application, secure communications channels may beestablished via an electronic application.

Accordingly, the electronic application may (i) obtain electronicinformation, (ii) analyze the electronic information, (iii) determinerecommendations (iv) provide a virtual electronic channel ofcommunications between different users, (v) provide a securecommunications process as the only way that different users canelectronically communicate with each other, and (vi) electronicallyassist different users to come to an agreement of a schedule ofelectronic communications. As such, the electronic application mayreduce the need to spend additional computing and communicationsresources to independently create electronic recommendations andgenerate electronic interactions between two or more users usingdifferent computing devices. Also, the electronic application mayincrease and improve other types of electronic transactions that wouldnot have occurred without the electronic application's analysis of auniverse of user's behavior and patterns relating to other user'sschedule of electronic communications and/or any other type ofelectronic transactions.

FIG. 1 is a diagram of example environment 100 in which systems,devices, and/or methods described herein may be implemented. FIG. 1shows network 110, user device 112A, user device 112B user device 112N,other user, other user device 114A, other user device 114B . . . otheruser device 114N, and server 116.

Network 110 may include a local area network (LAN), wide area network(WAN), a metropolitan network (MAN), a telephone network (e.g., thePublic Switched Telephone Network (PSTN)), a cloud computing network, agroup of networks, an ad hoc network, an intranet, the Internet, asatellite network, a GPS network, a fiber optic-based network, and/orcombination of these or other types of networks. Additionally, oralternatively, network 110 may include a cellular network, a public landmobile network (PLMN), a second generation (2G) network, a thirdgeneration (3G) network, a fourth generation (4G) network, a fifthgeneration (5G) network, and/or another type of network. In embodiments,network 110 may allow for devices describe in FIGS. 1 and 2 toelectronically communicate (e.g., using emails, text, chats, SMS,electronic signals, URL links, web links, electronic bits, fiber opticsignals, wireless signals, wired signals, etc.) with each other so as tosend and receive various types of electronic communications.

User device 112A, 112B . . . 112N (collectively known hereafter as userdevice 112 in the singular or user devices 112 in the plurality) mayinclude any computation or communications device that is capable ofcommunicating with a network (e.g., network 110). Other user device114A, 114B . . . 114N (collectively known hereafter as other user device114 in the singular or other user devices 114 in the plurality) mayinclude any computation or communications device that is capable ofcommunicating with a network (e.g., network 110). For example, userdevice 112 and/or other user device 114 may include a radiotelephone, apersonal communications system (PCS) terminal (e.g., that may combine acellular radiotelephone with data processing and data communicationscapabilities), a personal digital assistant (PDA) (e.g., that caninclude a radiotelephone, a pager, Internet/intranet access, etc.), asmart phone, a desktop computer, a laptop computer, a tablet computer, acamera, a personal gaming system, a television, a set top box, a digitalvideo recorder (DVR), any mobile device with Intranet/Internetcapabilities, or another type of computation or communications device.

User device 112 and/or other user device 114 may receive and/or displaycontent. The content may include schedule of electronic communications,objects, data, images, audio, video, text, files, any type of electronicdocuments, and/or links to files accessible via one or more networks.Content may include a media stream, which may refer to a stream ofcontent that includes video content (e.g., a video stream), audiocontent (e.g., an audio stream), and/or textual content (e.g., a textualstream). In embodiments, an electronic application may use an electronicgraphical user interface to display content and/or information via userdevice 112 and/or other user device 114. User device 112 and/or otheruser device 114 may have a touch screen and/or a keyboard that allows auser to electronically interact with the electronic application. Inembodiments, a user may swipe, press, or touch user device 112, and/orother user device 14 in such a manner that one or more electronicactions will be initiated by user device 112 and/or other user device114 via the electronic application.

User device 112 and/or other user device 114 may include a variety ofapplications, such as, for example, an e-mail application, a telephoneapplication, a camera application, a video application, a multi-mediaapplication, a music player application, a visual voice mailapplication, a contacts application, a data organizer application, acalendar application, an instant messaging application, a textingapplication, a web browsing application, a location-based application(e.g., a GPS-based application), a blogging application, and/or othertypes of applications (e.g., a word processing application, aspreadsheet application, etc.) and/or any type of web based or cloudapplications.

Server 116 may include one or more computational, domains, database orcommunication devices that gather, process, store, and/or provideinformation relating to one or more web pages or electronic pagesassociated with electronic application 124 that is searchable andviewable over network 110. While FIG. 1 shows a single server 116 theremay be additional servers 116 associated with one or more electronicapplications 124.

Electronic application 124 may be capable of interacting with server 116to analyze electronic information and determine various metrics that arethen used to recommend to one or more users, using user devices 112and/or other user device 114, on how and when a user shouldelectronically communicate with another user. In embodiments, electronicapplication 124 may be stored by and electronically receive electronicinteractions from user device 112 and/or other user device 114. Inembodiments, electronic application 124 may interact with applicationprogramming interfaces (APIs) to obtain electronic information about anyuser from other electronic applications. In embodiments, electronicapplication 124 may be electronically configured to show photos, video,text, electronic content (e.g. PDF, etc.), icons, graphical images,buttons, navigation bars, navigation tree, help menu, tool tips,assistance windows, emoji's, and/or any other electronic information. Inembodiments, electronic application 124 may electronically send/receiveelectronic information to/from server 116 to determine a particularelectronic recommendation. In embodiments, electronic application 124may electronically send/receive electronic information so as to allow auser, using electronic application 124, to interact with another user ofelectronic application 124 to come to an agreement on a particularcommunications schedule based on an electronic confirmation from anyuser. In embodiments, electronic application 124 may also provideelectronic financial and budgeting tools to the user of device 112and/or the user of other device 114, allowing a user to electronicallyinput information associated with their past financial transactionalhistory. In embodiments, such electronic financial tools may help theuser to configure an electronic display of their current financialstatus based on their past financial transactional history. Inembodiments, electronic application 124 may use this information aboutthe current financial status to generate electronic forecasts and/orsubstantive electronic schedule proposals that are then used by the userto communicate with other users to satisfy outstanding debt balances.

FIG. 2 is a diagram of example components of a device 200. Device 200may correspond to user device 112, other user device 114, and/or server116. Alternatively, or additionally, user device 112, other user device114, and/or server 116 may include one or more devices 200 and/or one ormore components of device 200.

As shown in FIG. 2, device 200 may include a bus 210, a processor 220, amemory 230, an input component 240, an output component 250, and acommunications interface 260. In other implementations, device 200 maycontain fewer components, additional components, different components,or differently arranged components than depicted in FIG. 2.Additionally, or alternatively, one or more components of device 200 mayperform one or more tasks described as being performed by one or moreother components of device 200.

Bus 210 may include a path that permits communications among thecomponents of device 200. Processor 220 may include one or moreprocessors, microprocessors, or processing logic (e.g., a fieldprogrammable gate array (FPGA) or an application specific integratedcircuit (ASIC)) that interprets and executes instructions. Memory 230may include any type of dynamic storage device that stores informationand instructions, for execution by processor 220, and/or any type ofnon-volatile storage device that stores information for use by processor220.

Input component 240 may include a mechanism that permits a user to inputinformation to device 200, such as a keyboard, a keypad, a button, aswitch, touchscreen, etc. Output component 250 may include a mechanismthat outputs information to the user, such as a display, any type ofscreen, a speaker, one or more light emitting diodes (LEDs), etc.

Communications interface 260 may include any transceiver-like mechanismthat enables device 200 to communicate with other devices and/orsystems. For example, communications interface 260 may include anEthernet interface, an optical interface, a coaxial interface, awireless interface, or the like.

In another implementation, communications interface 260 may include, forexample, a transmitter that may convert baseband signals from processor220 to radio frequency (RF) signals and/or a receiver that may convertRF signals to baseband signals. Alternatively, communications interface260 may include a transceiver to perform functions of both a transmitterand a receiver of wireless communications (e.g., radio frequency,infrared, visual optics, etc.), wired communications (e.g., conductivewire, twisted pair cable, coaxial cable, transmission line, fiber opticcable, waveguide, etc.), or a combination of wireless and wiredcommunications.

Communications interface 260 may connect to an antenna assembly (notshown in FIG. 3) for transmission and/or reception of the RF signals.The antenna assembly may include one or more antennas to transmit and/orreceive RF signals over the air. The antenna assembly may, for example,receive RF signals from communications interface 260 and transmit the RFsignals over the air, and receive RF signals over the air and providethe RF signals to communications interface 260. In one implementation,for example, communications interface 260 may communicate with network110.

As will be described in detail below, device 200 may perform certainoperations. Device 200 may perform these operations in response toprocessor 220 executing software instructions (e.g., computerprogram(s)) contained in a computer-readable medium, such as memory 230,a secondary storage device (e.g., hard disk, CD-ROM, etc.), or otherforms of RAM or ROM. A computer-readable medium may be defined as anon-transitory memory device. A memory device may include space within asingle physical memory device or spread across multiple physical memorydevices. The software instructions may be read into memory 230 fromanother computer-readable medium or from another device. The softwareinstructions contained in memory 230 may cause processor 220 to performprocesses described herein. Alternatively, hardwired circuitry may beused in place of or in combination with software instructions toimplement processes described herein. Thus, implementations describedherein are not limited to any specific combination of hardware circuitryand software.

FIG. 3 is a flow chart of an example process 300 for creating logincredentials. In embodiments, example process 300 may be performed byelectronic application 124 using user device 112, other user device 114,server 116, and/or other electronic applications and devices asdescribed in FIG. 1.

At step 302, electronic application 124 is used by a user to create andsend login credentials. In embodiments, the user may have previouslysigned up in electronic application 124 and/or downloaded the mobileapplication onto user device 112 and/or other user device 114, or theuser may have performed an electronic search (e.g., via the Internet)and found a webpage associated with electronic application 124.Alternatively, the user may have received an electronic message (e.g.,email) with an electronic link to electronic application 124. Inembodiments, the user may enter a name and an email address. Inembodiments, the user may provide additional information; however,electronic application 124 may only require the user's name and an emailaddress to generate login credentials by electronic application 124. Inembodiments, the login credentials are sent to server 116 for electronicvalidation.

At step 304, user device 112 and/or other user device 114 may receive anelectronic data validation message from server 116. In embodiments, theelectronic data validation message may be received within an email, atext message, a social network message, or any other type of electronicmessage that is viewable on user device 112 and/or other user device 114screen. In embodiments, the electronic data validation message mayrequest the user to select an electronic link that electronicallycommunicates with electronic application 124.

At step 306, the user, using user device 112 and/or other user device114, may send the confirmation message to server 116 regarding theelectronic data validation message. Upon receiving the electronic datavalidation message, at step 308, server 116 may provide the user withthe electronic capability to use user device 112 and/or other userdevice 114 to log into electronic application 124.

At step 310, the user may provide electronic information to electronicapplication 124, via user device 112 and/or other user device 114. Inembodiments, the user may provide their (i) address, (ii) age, (iii)employment status, (iv) bank account information, (v) credit cardinformation, (vii) consumer loan information, (viii) current financialstatus, and/or (ix) any other type of information. In embodiments, theuser may enter each type of information or the user may use anidentifier (e.g. social security number) that can be used by electronicapplication 124 and server 116 to submit electronic communications(e.g., simultaneously) to one or more other computing devices to obtainparticular types of information about the user. Upon receiving theelectronic information, electronic application 124 and/or server 116 mayanalyze the information as further described in FIG. 4. In embodiments,the user may enter different amounts of information. In embodiments, theuser may initially enter a first level of information (e.g., name,email). In embodiments, as the user increases the use of electronicapplication 124, the user may enter additional information at a secondlevel (e.g., home address, age, financial information, etc.). Inembodiments, as the level of information increases, the ability ofelectronic application 124 to analyze the user's information increasesin accuracy and detail.

In embodiments, electronic application 124 may also include variouselectronic features that may electronically assist the user to provideelectronic information. In embodiments, electronic application 124 mayinclude electronic videos, databases, text, tooltips, calculators, andelectronic simulation features to assist the user while using electronicapplication 124. For example, the user may view videos on particularsubjects to assist the user using electronic application 124 and inmaking a decision. In embodiments, electronic application 124 mayanalyze the user's inputted information to score the user's currentfinancial status, thus may generate a recommendation on user device 112.In embodiments, electronic application 124 may automatically generate avideo for display on user device 112. For example, if the user indicatesbank account information that includes less value than a particularthreshold, then electronic application 124 may electronically analyzethe value and present a recommendation to improve a particular situation(e.g., increase a value greater than the particular threshold). Inembodiments, electronic application 112 may have video support based onproviding information on how to increase the bank account's (e.g., anelectronic account) value beyond a particular threshold. In embodiments,electronic application 124 may also analyze the relationship between thetime delay and/or time lapse with a particular account and the amountwith another electronic account and may produce recommendations, videosor other electronic tools (e.g., electronic prediction tool) to generateelectronic transactions on electronic application 124 to assist theuser. In alternate embodiments, electronic application 124 may generateelectronic advertisements based on the user's inputted information anduser's behavior patterns received or requested from computing devicesassociated with a search engine. For example, if the user has inputtedinformation associated with a particular product (e.g., shoes) or anonline search for shoes, then electronic application 124 may generate anelectronic advertisement for display based on the user's patterns onuser device 112 about shoes.

FIG. 4 is a flow chart of an example process 400 for electronicallyanalyzing electronic information, such as electronic informationdescribed in FIG. 3. In embodiments, one or more parts of electronicprocess 400 may be performed by electronic application 124, and/orserver 116.

At step 402, electronic application 124 and/or server 116 may receiveelectronic information. In embodiments, the electronic information mayinclude information about a user's age, gender, geographic location,employment history, bank accounts, credit card information, mortgages,automobile loan information, income, expenses, assets, other types ofunsecured debt obligations, and/or any other personal and financialinformation. In embodiments, electronic application 124 may analyzepatterns of lapses or lack of electronic transactions between differentfinancial accounts. For example, electronic application 124 may analyzedifference in time lapses associated with electronic transactionsbetween different electronic accounts, analyze/determine an average oftime lapses associated with electronic transactions, and/or any othertype of pattern.

At step 404, electronic application 124 and/or server 116 may analyzetime delay information associated with any financial and electronicinformation. In embodiments, electronic application 124 and/or server116 may analyze time delays associated with electronic communicationsthat occurred between a user's computing device, or another computingdevice, and other user's computing devices. In embodiments, electronicapplication 124 and/or server 116 may analyze lack of electroniccommunications. In embodiments, the time delays may be associated withan electronic transaction that occurred in the past. In embodiments, theelectronic transaction that occurred, or should have occurred (i.e., didnot occur), in the past may be associated with the electronic transferof tokens, bits, or other types of electronic data. Additionally, oralternatively, electronic application 124 and/or server 116 may provideelectronic simulations of future electronic communications andelectronic transactions. In embodiments, the electronic simulations maydescribe how to increase and/or decrease the value of an electronicaccount based on the user's information and real time analysis of otherusers using application 124, either by the user using user device 112and/or the other user using user device 114. In embodiments, electronicapplication 124 and/or server 116 may analyze if the electronictransaction occurred before a particular deadline, if the electronictransaction occurred after a particular deadline and, as such, theperiod of time associated with the electronic transaction, or if theelectronic transaction never occurred. In embodiments, electronicapplication 124 and/or server 116 may simultaneously analyze allinformation and determine an average of the time delay information oruse other metrics to analyze the time delay information.

At step 406, electronic application 124 and/or server 116 may analyzegeographic information associated with the electronic information (e.g.Internet Protocol address, etc.). In embodiments, the analysis of thegeographic information may include the amount of time that the user haslived in that particular geographic location, determine average incomefor that geographic location (e.g., city/town, county, metropolitanarea, etc.), unemployment rate for that geographic location, etc. Inembodiments, the analysis of the geographic information may requireelectronic application 124 and/or server 116 to electronicallycommunicate with other computing devices to receive particularelectronic information associated with a geographic location.

At step 408, electronic application 124 and/or server 116 may analyze auser's electronic demographic information. In embodiments, the analysisof the demographic information may include analyzing the user's age,gender, and/or any other information. At step 410, electronicapplication 124 and/or server 116 may electronically analyze differentinformation within the received electronic information andsimultaneously compare the different information to electronicinformation associated with other users. In embodiments, the analysiswith other users inputted information into electronic application 124may be in real time. In embodiments, electronic application 124 and/orserver 116 may store electronic information about the user and otherusers in a database (e.g., database 900 as described in FIG. 9). Inembodiments, electronic application 124 and/or server 116 may generate avalue (e.g., a score) based on the analysis of the user's behavior andother user's behaviors. In embodiments, the value may determine arecommendation to the user on how the user may electronically interactin the future.

At step 412, electronic application 124 and/or server 116 may generatean electronic message, which can be viewed on electronic application 124via user device 112. In embodiments, the electronic message may includethe value (e.g., score) and/or a recommendation to the user on how theuser may electronically interact in the future. For example, therecommendation may include a message to the user to send electronictokens or other information to another user associated with a particulartime delay associated with an electronic account. In embodiments,electronic tokens may be associated with something of value. Inembodiments, the electronic tokens, when transferred from a particularelectronic account, may result in an electronic account's total memoryusage on a computing device to be reduced based on the electronictransfer of the electronic tokens.

In embodiments, at step 412, or in any part of example process 400,electronic application 124 and/or server 116 may generate an electronicmessage that includes the ability of the user using electronicapplication 124 to electronically communicate with another user usinguser device 114 and/or other computing devices. For example, the user ofelectronic application 124 may communicate via electronic video, chat,and/or audio conversations or within an electronic virtual realityenvironment to obtain information (e.g., educational information) fromother electronic educational systems (e.g., associated with lawyers,financial advisors, accountants, etc.)

In embodiments, when electronic application 124 and/or server 116determines a score/value, electronic application 124 and/or server 116may determine particular electronic videos and/or particular electroniceducational systems, that may be included within electronic application124 and/or provided by other electronic systems. In embodiments suchinteractions may be used by the user of electronic application 124 toaccept or refuse recommendations from electronic application 124 and/orto take personal decisions to initiate future electronic transactionsand/or communications via electronic application 124. For example,electronic application 124 and/or server 116 may generate a numericalscore and/or a grade score (e.g., “A” for good, “B” for okay, “C” forbad). Based on the score, electronic application 124 and/or server 116may electronically extract electronic videos that assist the user toprevent future lapses or delays in electronic transactions and/orcommunications. Additionally, or alternatively, electronic application124 and/or server 116 may send an electronic communication to one ormore electronic educational systems. In embodiments, the electroniceducational system may be provided by electronic application 124 and/orbe associated with a law firm, accounting firm, financial advisory firm,or any other type of organization. In embodiments, the electroniceducational system may receive the electronic communication andelectronically communicate with the user of electronic application 124.

In embodiments, a user of electronic educational system may initiatereal time communications (e.g., video, chat and/or audio) with the userof electronic application 124 or vice versa. In embodiments, the user ofelectronic application 124 may electronically communicate with theelectronic educational system and may accept and enter a third partyrecommendation to the electronic application 124 based on electroniccommunications from the electronic educational system. In embodiments,electronic application 124 may electronically analyze the informationentered by the user and/or automatically entered by the electroniceducational system during the real time communications within theelectronic application 124 and automatically and/or simultaneouslyupdate the score generated by electronic application 124. Accordingly,electronic application 124 may educate users of electronic application124 with electronic videos, video and/or audio conferences, electronicmanuals, written material and/or any other type of interactiveelectronic document and/or communications. Furthermore, in embodiments,electronic application 124 and/or server 116 may provide, in real timeand/or automatically, translate content and information in differentlanguage than English to the user.

FIG. 5 is a flow chart of an example process 500 for sending anelectronic request. In embodiments, process 500 may be performed byelectronic application 124 on user device 112 and/or on other userdevice 114.

At step 502, a user, using user device 112 and/or other user usingdevice 114, may receive a recommendation from electronic application 124and/or server 116. In embodiments, the recommendation may be sent withinelectronic application 124, an electronic message, such as email, simplemessaging system (SMS), system alert, and/or any other type ofelectronic message. In embodiments, the recommendation may be similar tothe electronic recommendation message as described in FIG. 4.

At step 504, the user may accept the electronic recommendation message(Step 504—YES) or the user may not accept the recommendation (Step504—NO). In embodiments, if the user accepts the recommendation, thenelectronic application 124 may send, at step 508, a request, based onthe decision in electronic recommendation message, to another user. Inembodiments, if the user does not accept the recommendation at step 504,then the user may, via electronic application 124, provide analternative recommendation to another user at step 506. In embodiments,if the user provides an alternative recommendation (Step 506—YES), thenthe user may be provided with electronic tools within electronicapplication 124 to determine the alternative recommendation and/orenter, via electronic application 124, a recommendation of the user'schoice. In embodiments, if the user does not provide an alternative(Step 506—NO), then electronic application 124 does not generate anyfurther electronic communications. As such, electronic application 124may wait for further instructions, from the user using user device 112and/or the other user using other user device 114, before any furtherelectronic activity is taken.

In embodiments, electronic application 124 may include electronic toolssuch as (i) electronic prediction and simulation tools, (ii) electroniccalculators, (iii) graphical tools, (iv) communication tools, and/or (v)other types of tools. For example, electronic application 124 may havean electronic prediction tool that uses time delay information, asdescribed above, to automatically determine a statistical value that therecommendation or an alternative recommendation may be electronicallyaccepted by another user. In embodiments, the electronic prediction toolmay use real time information from any user's electronic informationbeing inputted into electronic application 124 and/or any other computersystem that may directly interact with electronic application by the useof a unique identifier, at the same that electronic application 124 maybe determining an alternative for its users. Furthermore, electronicapplication 124 may have communication tools that electronically requestadditional information to further determine whether any user'srecommendation or alternative recommendation may be electronicallyaccepted by another user. In embodiments, real time information from anyuser may be analyzed by electronic application 124 and a graphicalrepresentation may be generated. In embodiments, the graph maycontinuously be updated in real time an electronically generated graph,displayed on a user device 112 and/or other user device 114, asinformation is inputted into electronic application 124. In embodiments,electronic application 124 may have stored statistics, patterns,electronic documents, and any other electronic information aboutprevious recommendations and associated success rates (e.g., the actualelectronic transactions that occurred versus the predicted electronictransactions within the electronic application recommendations). Inembodiments, the electronic statistical information, patterns, andgraphical information may be electronically, and simultaneously, begenerated within an electronic dashboard generated by electronicapplication 124. In embodiments, the electronic dashboard may beintermittently or continuously updated, electronically, with informationbased on the activities of the user or the activities of other usersthat are associated with electronic transactions and/or communicationsscheduled in the future, lapses in past electronic transactions, and/ora lack of past of electronic transactions. In embodiments, graphicalinformation may be electronically updated with different colors based onthe user's behavior (e.g., financial behavior) and/or the behavior ofother users. Thus, in embodiments, the electronic dashboard may includean alternative. Accordingly, the user may send the alternative as therequest in step 508.

FIG. 6 is a flow chart of an example process 600 for determining anelectronic decision. In embodiments, example process 600 may beperformed by electronic application 124 via other user device 114.Alternatively, example process 600 may be performed by electronicapplication via user device 112 while sending and/or receivingcommunications to/from other user device 114.

At step 602, a user, using other user device 114, may receive anelectronic request from user device 112. In embodiments, the electronicrequest may be similar to the electronic request as described in FIG. 5.In embodiments, the user, using other user device 114, may be associatedwith a bank, a financial institution, a debt collection agency, personaland/or legal representation, a government institution, a credit cardcompany, any legal entity and/or any other type of for-profit ornon-profit organization engaged in collecting, negotiating,restructuring, consolidating, refinancing and/or reducing any type ofoutstanding debt obligation whether by contract or not, or providingother services. In embodiments, the electronic request may be receivedwithin an electronic message. In embodiments, the electronic message mayinclude one or more codes and/or identifiers that are required for theuser of other user device 114 to access the electronic request withinelectronic application 124.

In embodiments, the electronic message may include a message, SMS,email, text, system alert, and/or electronic link that, when selected,may generate a bilateral real time electronic communications betweenuser device 112 and user using other user device 114 through the securevirtual channel of communication of the electronic application 124and/or server 116. In embodiments, the user may access the electronicrequest within electronic application 124 only if the user providesspecific information that was included in the electronic message andvalidated by electronic application 124 and/or server 116. Inembodiments, once the user, using other user device 114, has receivedfrom a user using user device 112, an invitation to communicate, a ceaseand desist letter, an initial communication of a schedule offer, and/orany other type of intention of communication through one or manyelectronic communication request until an agreement is reached betweenthe user using user device 112 and the user using other user device 114,the user of other user device 114 may only communicate with therequestor, (e.g. user using user device 112), through such electronicapplication 124 and/or server 116 illustrated above and through no othertypes of communications.

At step 604, the user of other user device 114 may electronically acceptthe electronic request (Step 604—YES) or the user may not accept theelectronic request (Step 604—NO). If the user of user device 114 doesaccept the electronic request, then electronic application 124, on otheruser device 114, may send an electronic message to user device 112 thatindicates that the user of other user device 114 has accepted theelectronic request, at step 608. If the user of other user device 114does not accept the electronic request, then any user may, at step 606,generate an alternative recommendation (Step 606—YES). In embodiments,the user of other user device 114 and/or the user of user device 112 mayinput their own recommendation or they may use electronic tools withinelectronic application 124 to generate their own recommendation. Oncethe user has generated an alternative recommendation, at step 608, thealternative recommendation may be electronically sent to user device 112for acceptance.

If the user of other user device 114 does not provide an alternativerecommendation (Step 606—NO), then electronic application 124 may sendan electronic message to user device 112 that the electronic request wasnot accepted.

FIG. 7 is a flow chart of an example process 700 for analyzing multipleelectronic communications requests. In embodiments, example process 700may be performed by other user device 114, user device 112, electronicapplication 124, and/or server 116.

At step 702, other user device 114 may receive a communicate by choiceof the user of user device 112 either by certified mail, email, faxand/or by electronic requests from multiple user devices 112 forrequests to electronically communicate with the user associated withother user device 114. In embodiments, the electronic requests may besimilar to the electronic request described in FIG. 5. For example, XYZis a company that is using other user device 114. Furthermore, in thisexample, Tom is a user of user device 1 (e.g., a user device 112) who isrequesting to send electronic communications, in the future, to XYZ atany time and to electronically transfer 20 electronic tokens, orsomething of value, to a computing device, bank account, and/or any typeof facility associated, operated and/or owned by XYZ. Jane is a user ofuser device 2 (e.g., a user device 112) who is requesting to sendelectronic communications, in the future, to XYZ and electronicallytransfer 30 electronic tokens, or something of value, to a computingdevice, bank account, and/or any type of facility associated, operatedand/or owned by XYZ. In embodiments, all electronic communications occurwithin electronic application 124. In embodiments, the electronictransfer of electronic tokens may occur through the electronicapplication, other computing devices, API, and/or any type of financialservices and simultaneously while electronic communications, trackingand validations are occurring within electronic application 124.

Accordingly, at step 704, electronic application 124 may generate aproposal from XYZ using other user device 114 to offer both Tom, Jane,and anyone else collectively or individually, the same and/oralternative schedule of future electronic communications and electronictransactions of electronic tokens. In embodiments, electronicapplication 124 may electronically and/or simultaneously analyze thetime of the year that the requests are being made (e.g., beginning ofyear, end of year, middle of year, etc.), the type of debt associatedwith the requests, the time schedule associated with the electroniccommunications, the amount of the electronic tokens, and/or any otherinformation.

In alternate embodiments, electronic application 124 may receive and/orgenerate tiers of electronic offers and associated electronic messagesthat the user of other user device 114 can send to different userdevices 112. In embodiments, but not limiting to the following example,XYZ may receive and/or generate 100 requests. 50 of the requests aresimilar in electronic communications schedule (e.g., every 30 days)and/or a quantity of electronic tokens (e.g., within a particularrange—e.g., plus or minus 1, 5, 10, etc. of a value) and the other 50 ofthe requests are similar with another electronic communications scheduleand quantity of electronic tokens. Thus, in embodiments, electronicapplication 124 and/or server 116 may send an electronic recommendationmessage to the user of other user device 114 to provide an electronicoffer message 1 to 50 of the electronic requests and electronic offermessage 2 to the other 50 electronic requests. Accordingly, if the userof other user device 114 decided to generate the recommendation accepts,then with a single electronic input, two different electronic messagesare simultaneously sent out to each user using user device 112 and/orparticular group within the entire group of requests being made. Inalternative embodiments, if the user of other user device 114 received atier of electronic offers messages from users using user device 112,electronic application 124 and/or server 116 may send an electronicrecommendation message to the user of other user device 114 to allowacceptance of electronic offer message. If user of other user device 114decided to accept the recommendation, then with a single electronicinput, various different electronic messages are simultaneously acceptedand notification is sent out to each user using user device 112 and/or aparticular group within the entire group of requests being made.

At step 706, however, the user (e.g., XYZ) may either accept the singleoffer (Step 706—YES) and electronic application 124 may send anelectronic message with the single offer simultaneously to user devices112 (e.g., being used by Tom, Jane, and others) in possibly differentgeographic locations; or, the user (XYZ) may reject the single offer(Step 706—NO) and decide on an alternative offer, electronic application124 may send an electronic message with the rejection notificationsimultaneously to user devices 112. If, at step 708, the user of otheruser device 114 decides on an alternative offer (Step 708—YES), then thealternative single offer is sent, at step 710, to user devices 112through the electronic application 124 and/or server 116. Accordingly, asingle electronic input by the user of other user device 114 results ina single electronic communication using electronic application 124 beingsent simultaneously to all the user devices 112 that sent acommunication, message, notification and/or schedule request to otheruser device 114. If, at step 708, the user of other user device 114decides not to send an alternative communication, then electronicapplication 124 may allow the user of other user device 114 the optionto send individual decisions to each request or electronic application124 may send a single electronic message via electronic application 124simultaneously to all user devices 112 that all their requests have beenrejected or electronic application 124 may allow the user of user device112 the option to send individual communication, schedule, notificationand/or offer to the user of other user device 114.

FIG. 8 is a flow chart of an example process 800 for receiving anelectronic acceptance. In embodiments, example process 800 may occurwithin electronic application 124 on user device 112 and/or server 116.In alternate embodiments, example process 800 may occur withinelectronic application 124 by using other user device 114 thatsends/receives communications and information from user device 112.

At step 802, a user of user device 112 may receive an electronic messagethat includes a decision made by a user of other user device 114regarding a request made by the user of user device 112 toelectronically communicate and electronically transfer electronictokens. If, at step 804, the decision is the same as the user, userdevice 112's request (Step 804—YES), then an acceptance is made and, atstep 812, an agreement confirmation message is sent via electronicapplication 124 and/or server 116 to the requesting user and the otheruser who is accepting the request. In advantageous embodiments,electronic application 124 may provide electronic messages, electronicdocuments and forms to both the user of user device 112 and other userdevice 114 to initiate electronic transactions between the two partiesfollowing the agreement of a communication schedule request. If, at step804, the decision is not the same as the user of user device 112'srequest (step 804—NO), then electronic application may request whetherthe user of user device 112 accepts the decision of the user of userdevice 114.

If, at step 806, the user of user device 112 electronically accepts(Step 806—YES) the decision of the user of other user device 114, then,at step 810, electronic application 124 may send an electronic messageto other user device 114. If, at step 806, the user of user device 112does not accept (Step 806—NO) the decision of the user of other userdevice 114, then electronic application 124 may request, at step 808,the user of user device 112 to provide an alternative. If the user ofuser device 112 provides an alternative (step 808—YES), then thealternative is sent as a new request, at step 814. In embodiments, thenew request may then be sent to user device 114 and the user of otheruser device 114 may decide on the new request and may provide a decisionwhich then follows example process 800 from step 802. In embodiments, anew request is sent through the electronic application 124 and/or server116, which may have an electronic message system that allows for userdevice 112 and other user device 114 to simultaneously communicate(e.g., text message, SMS, email, chat, video message, etc.) whileelectronic data/information is being sent via electronic application 124and/or server 116. Thus, electronic application 124 and/or server 116allows for one or more interactive electronic communications channelsbetween different computing devices (e.g., user device 112 and otheruser device 114) while simultaneously sending data on proposedelectronic transactions, messages, schedule and communications.Accordingly, there are asynchrony and synchronic electroniccommunications on two or more different communication channel typeswithin electronic application 124 and/or server 116 that are occurringat the same time and/or in real time.

If the user of user device 112 does not provide an alternative (Step808—NO), then electronic application 124 may end the process (e.g., end,stand by until further instruction by any user using user devices 112 orother user device 114, etc.), at step 816, and send an electronicmessage via electronic application 124 and/or server 116 to the user ofother user device 114 and/or user device 112 that no acceptance hasoccurred.

In embodiments, once user device 112 and other user device 114 havereceived electronic confirmation messages that accept a particularschedule agreement of electronic communications have been electronicallysigned and confirmed by the two parties using user device 112 and/orusing other user device 114, the electronic application 124 and/orserver 116 may generate an electronic schedule to transfer electronictokens from a first electronic account to a second electronic account, afinancial services institution and/or any other type of method fortransferring amounts of electronic tokens agreed by the two parties. Inembodiments, electronic application 124 may send electronic messages tothe first electronic account and second electronic account that willpermit automatic transfers of electronic tokens between these electronicaccounts. In embodiments, electronic transaction may be done by directbank account withdrawal, API services, and any other type of financialservices system. In embodiments, the electronic accounts may be storedon one or more other computing devices, financial networks and/or cloudservices. Upon the initiation of electronic messages transferred betweenuser devices 112 and other user device 114, electronic tokens from thesecond electronic account may be automatically transferred to a thirdelectronic account associated with the user of other user device 114.Accordingly, based on electronic communications within electronicapplication 124 and/or server 116, there may be simultaneous electronictransactions between, including but not limited to, the first and secondaccount, and the third electronic accounts. Thus, in embodiments,electronic application 124 and/or server 116 may reduce the number ofelectronic communications necessary to initiate the transfer ofelectronic tokens from multiple electronic accounts.

FIG. 9 describes an example data structure 900 that stores asynchronyand synchronic electronic information associated with electronicapplication 124 and/or server 116, URL address, landing pages, any typeof electronic web page. In embodiments, data structure 900 may include acollection of fields such as ID 902, Time Delay 904, Account Type 906,and Geographic Location 908. Although FIG. 9 shows example fields902-908, in other embodiments, data structure 900 may include fewerfields, different fields, additional fields, and/or differently arrangedfields than depicted in FIG. 9. In embodiments, one or more servers 116may store some or all of data structure 900. In embodiments, electronicapplication 124 and/or server 116 may use example data structure 900 togenerate future electronic communications and transactions withouthaving a user, using user device 112 or other user device 114, toelectronically query and then electronically determine time, values, andother characteristics of an electronic communication.

In embodiments, ID 902 may store a username of a user, of user device112 and/or other user device 114, associated with electronic application124 and/or server 116. ID 902 may include one or more alphanumericsymbols (e.g., letters, numbers, symbols, etc.). In embodiments, TimeDelay 904 may store time delay information associated with when aparticular schedule and/or electronic communications was supposed tohave occurred and when the electronic communications did occur. Inembodiments, Time Delay 904 may also store time lapse informationassociated with how many days have occurred since a particular deadlineto perform an activity and/or electronic communication to transferelectronic tokens. In embodiments, Account Type 906 may store a type ofelectronic account associated with the user in ID 902. For example, thetype may be a credit card, automobile loan, furniture loan, accountnumber, company information, etc. In embodiments, geographic location908 may store the geographic location of the user in ID 902.

In embodiments, server 116 and/or electronic application 124 may usedata structure 900 to determine a score to user device 112 and/or arecommendation to a user of user device 112 and/or other user device114. In embodiments, and as described in other figures, the score and/orrecommendation may then be used by the user of user device 112 to takedecisions about his/her current financial status and by personal choiceinvite to electronically communicate, with a user of other user device114, a request to engage in a communication process, to reach a mutuallyagreement and to send a particular number of electronic tokens atparticular time intervals.

In embodiments, each of the fields described in FIG. 9 may be associatedwith audit data fields. In embodiments, the audit data fields areassociated with a log of all data/electronic transactions, i.e., anaudit data trail. In embodiments, the audit data trail may ensure theend-to-end integrity of data activities by identifying whenmodifications are made, detect and analyze intentional and accidentalbreaches in user behavior, monitor and analyze the database activitiesof any user, and/or keep track of changes and updates made to data. Inembodiments, the audit data fields may include, but not limited to, thefollowing: audit data field (a) “Created Date Time Stamp, Created ByUser UserName or IP address or media access control (“MAC”) address,”audit data field (b) “Updated DateTime Stamp, Updated By User UserNameor IP address or MAC address,” audit data field (c) “Sequence Number,automatically incremented,” audit data field (d) “Active Boolean,” auditdata field (e) “Active DateTime Stamp, Active By User UserName or IPaddress or MAC address,” and audit data field (f) additional data fieldsmay apply in certain entities, e.g., First Login Date, Last Login Date.

In embodiments, when information stored in data structure 900 is updatedin electronic application 124 and/or server 116, electronic application124 and/or server 116 may determine whether to update the information orto initiate an electronic audit clone process. In embodiments,electronic application 124 and/or server 116 may analyze the auditfields above as follows: (1) if the Sequence Number is 1 (one), i.e., noprior record exists, electronic application 124 will insert the newrecord/information and set the Active Boolean to true, triggering auditdata fields (a), (b), (c), (e), and, if present, (f); (2) if theSequence Number is not 1 (one) and the only data being updated is ActiveBoolean, electronic application 124 will update the record/information,triggering audit data fields (b), (e), and, if present, (f); (3) if theSequence Number is not 1 (one) and the only data being updated is ActiveBoolean and/or audit data field (f), electronic application 124 willupdate the record, triggering audit data fields (b), (e) and, ifpresent, (f); or (4) if the Sequence Number is not 1 (one) and there isupdated data not categorized in Active Boolean and/or audit data field(f), an electronic audit clone process will take place.

In embodiments, if an electronic audit clone process, electronicapplication 124, may generate a ‘clone’ of the existing record.Furthermore, in embodiments, the existing record is updated with theaudit data field “Active Boolean” set to false, triggering audit datafields (b), (c), (e), and, if present, (f). In embodiments, the ‘clone’fields are set according to the data being updated. Thus, inembodiments, the ‘clone’ record is inserted, the Active Boolean is setto true—triggering audit data fields (a), (b), (c), (e), and, ifpresent, (f). In embodiments, electronic application 124 may display tousers of electronic application 124 either the Active Boolean with avalue of true or display a history of all records, e.g., Sequence NumberN, Sequence Number N−1, . . . Sequence Number 1 (where Sequence Number Nis the most recent record by Created Date/Time Stamp, with the Highestvalue for Sequence Number), with the Active Boolean Value. Thus,electronic application 124 and data structure 900 contains a full andcomplete history of all data updates and their set of audit data. Inembodiments, this information may be used by electronic application 124to make recommendations to the Users, based on presence/absence of data,time lapse, etc.

In embodiments, in addition to the electronic audit data trail,electronic application 124 may also maintain an electronic auditactivity trail of the Entity, Record Key(s), Operation performed by UserUserName, and Session. In embodiments, the audit data fields describedabove are applied to the Audit Activity Trail records. In embodiments,since records are never deleted, Active Boolean is used instead (e.g.,false would equal deleted), PostInsert and PostUpdate operations aretracked. Thus, data structure 900 or any other data structure maycontain a history of all data inserts and updates, by User, UserName,and Session. Accordingly, this information may be used by Application124 to make recommendations to the Users, based on presence/absence ofdata, time lapse, etc.

In embodiments, during the Audit Location Trail, electronic application124 tracks the location of Users, either by IP address or Mac address,for all visits. In embodiments, electronic application 124 tracks thevisits of users and the specific pages accessed on each visit by eachuser. In embodiments, the same set of audit data fields described aboveis then applied to the Audit Activity Trail records.

FIGS. 10-12 are diagrams of example processes for using an electronicapplication (e.g., electronic application 124) for generating anelectronic invitation which the user of device 112 and/or other userdevice 114 will be forwarding to the other user requestingcommunication, with such another user, to accept a particular scheduleof electronic communications and particular amounts of electronic tokensto be transferred from one computing device to another computing device,a financial institution, and/or a financial system. In embodiments, theexample process described in the following figures may use one or moreof the devices, networks, and electronic applications described in FIGS.1 and 2. Furthermore, in embodiments, the example processes described inthe following figures may have one or more features described in theflowcharts and/or data structure described in FIGS. 3-9.

FIG. 10 shows a user device 112 and electronic application 124 asdescribed in FIG. 1. In embodiments, a user of user device 112 hasdecided to make a request to communicate with a user of other userdevice 114 or vice versa. In FIG. 10, for example, Sandra has decided toelectronically communicate with ABC collection agency. In doing so,Sandra has decided to use electronic application 124 which is known as“SettleiTsoft.” In this example, Sandra has already logged intoelectronic application 124. As shown in FIG. 10, Sandra providesadditional information, including name using icon 1002, her home addressusing icon 1004, her age using icon 1006, and other financialinformation using icon 1008. In icon 1008, Sandra may provide her socialsecurity number. Once all the information is entered into electronicapplication 124, electronic application 124 electronically sends theinformation to server 116, as shown in FIG. 11. Upon receiving theinformation, server 116 analyzes Sandra's information. In particular,server 116 sends simultaneous electronic messages may be sent to othercomputing devices requesting additional information about Sandra byusing Sandra's social security number. Accordingly server 116 receivesadditional information about Sandra, which could be manually inputted bySandra or after electronic application 124 automatically interacted toother computer devices, and analyzes Sandra's information. For example,server 116 may have received information as described above that Sandrais 100 days beyond a payment deadline to a store credit card where sheowes $5,000.

Accordingly, electronic application 124 and/or server 116 may takeSandra's information and also the information of other users who useelectronic application 124 and determine an amount that will help Sandrato resolve her outstanding store credit card debt. For example,electronic application 124 may analyze how other users with similartypes of loans debt were able to resolve their debts. Accordingly,electronic application 124 and/or server 116 may send an electronicrecommendation message to Sandra, via user device 112, which recommendsSandra to make six months of payments of $500 for the store credit carddebt. Based on the recommendation, in FIG. 12, Sandra may decide to senda request to ABC collection agency which is using other user device 114.This request may be sent by the user of user device 112 or the user ofother user device 114 via certified mail, email, fax, and/or any legalconduit or such request may be sent in an electronic message by theelectronic application, which includes a link and other information thatallows ABC to log into electronic application 124 and/or server 116using other user device 114 and view Sandra's request. ABC collectionagency may view Sandra's request via electronic application 124. In thisexample, ABC collection agency may use electronic application 124 and/orserver 116 to determine a statistical probability that Sandra will makethe payments. Based on electronic application 124's analysis, ABCcollection agency may decide to accept Sandra's request and sends adecision to Sandra, which is using user device 112.

It will be apparent that example aspects, as described above, may beimplemented in many different forms of software, firmware, and hardwarein the implementations illustrated in the figures. The actual softwarecode or specialized control hardware used to implement these aspectsshould not be construed as limiting. Thus, the operation and behavior ofthe aspects were described without reference to the specific softwarecode—it being understood that software and control hardware could bedesigned to implement and to improve the aspects based on thedescription herein within the electronic application 124 and/or server116.

Even though particular combinations of features are recited in theclaims and/or disclosed in the specification, these combinations are notintended to limit the disclosure of the possible implementations. Infact, many of these features may be combined in ways not specificallyrecited in the claims and/or disclosed in the specification. Althougheach dependent claim listed below may directly depend on only one otherclaim, the disclosure of the possible implementations includes eachdependent claim in combination with every other claim in the claim set.

While various actions are described as selecting, displaying,transferring, sending, receiving, generating, notifying, tracking andstoring, it will be understood that these example actions are occurringwithin an electronic computing and/or electronic networking environmentand may require one or more computing devices, as described in FIG. 1,to complete such actions. Furthermore, it will be understood that thesevarious actions can be performed by using a touch screen on a computingdevice (e.g., touching an icon, swiping a bar or icon), using akeyboard, a mouse, or any other process for electronically selecting anoption displayed on any type of display screen to electronicallycommunicate with other computing devices as described in FIG. 1. Also itwill be understood that any of the various actions can result in anytype of electronic information to be displayed in real time and/orsimultaneously on multiple user devices (e.g., user device 112 and/orother user device 114).

It should also be understood that electronic communications between userdevice 112, other user device 114, and/or server 116 via electronicapplication 124 may include the electronic transfer of electronictokens, messages, electronic documents and/or agreements and may resultin (i) the change of a value stored in a computing device, server and/ordatabase based on one or more electronic communications, and/or (ii) thechange in the amount of memory storage of electronic bits in a computingdevice, server and/or database based on one or more electroniccommunications. It should be noted that recommendations, requests,decisions, alternatives, and rejections are electronically generatedtypes of communications and exist within an electronic computingenvironment.

In embodiments, electronic application 124 and/or server 116 may encryptall data, including, but not limited to, Personally IdentifiableInformation (PII) for all Users. Furthermore, in embodiments, but notlimited to, all computer processes, architecture, and/or electronicsecurity may enhance the electronic security of electronic application124 by controlling database access, time visitation controls, multiplerequest layers, etc.

No element, act, or instruction used in the present application shouldbe construed as critical or essential unless explicitly described assuch. Also, as used herein, the article “a” is intended to include oneor more items and may be used interchangeably with “one or more.” Whereonly one item is intended, the term “one” or similar language is used.Further, the phrase “based on” is intended to mean “based, at least inpart, on” unless explicitly stated otherwise.

While series of blocks have been described with regard to FIGS. 3-8, theorder of the blocks may be modified in other implementations. Further,non-dependent blocks may be performed in parallel.

In the preceding specification, various preferred embodiments have beendescribed with reference to the accompanying drawings. It will, however,be evident that various modifications and changes may be made thereto,and additional embodiments may be implemented, without departing fromthe broader scope of the invention as set forth in the claims thatfollow. The specification and drawings are accordingly to be regarded inan illustrative rather than restrictive sense.

What is claimed is:
 1. An electronic communications method, comprising:sending, by a computing device, an electronic request to initiatecommunications; receiving, by the computing device, an electroniccommunication based on receiving the electronic request; generating, bythe computing device, a value based on receiving the electroniccommunication, analyzing. by the computing device, a time delayassociated with an electronic account associated with electronicinformation in the electronic communication, where the time delay isbased on a difference in time between when a particular electroniccommunication actually occurred versus when the particular electroniccommunication was scheduled to occur; generating, by the computingdevice, a score based on the analyzing the time delay associated withthe electronic account; analyzing, by the computing device, that theparticular electronic communication that did not occur within theparticular period of time, where the particular electronic communicationis associated with a first identifier; analyzing, by the computingdevice, that another electronic communication did occur within anotherparticular period of time, where the other electronic communication isassociated with a second identifier; and analyzing, by the computingdevice, the particular electronic communication and the other electroniccommunication together to determine a pattern; generating, by thecomputing device, a recommended schedule based on the score and thepattern, where the recommended schedule includes multiple electroniccommunications that are sent at particular future times by the userdevice to other devices, sending, by the computing device, an electronicrecommendation message that includes the score to another user device.2. The electronic communications method of claim 1, wherein theanalyzing the time delay includes analyzing a delay associated withtransferring electronic tokens.
 3. The electronic communications methodof claim 2, wherein determining the pattern includes determining a levelof electronic token transactions that occurred below a particularthreshold within a particular amount of time.
 4. The electroniccommunications method of claim 1, further comprising: determining, bythe computing device, that an electronic confirmation response has notbeen received based on sending the electronic request message; andsending by the computing device, a second electronic request message. 5.The electronic communications method of claim 1, further comprising:receiving, by the computing device, an electronic confirmation responsebased on receiving the electronic request message, wherein theelectronic confirmation response includes identification information;and electronically verifying, by the computing device, theidentification information.
 6. The electronic communications method ofclaim 1, wherein the electronic communication method reduces an overallnumber of particular electronic communications being sent to the userdevice and being received by the user device.
 7. The electroniccommunications method of claim 1, further comprising: receiving, by thecomputing device, multiple electronic requests in addition to theelectronic request from the electronic account; analyzing, by thecomputing device, the multiple electronic requests to determine that afirst portion of the multiple electronic requests are associated with afirst electronic characteristic and a second portion of the multipleelectronic characteristics are associated with a second electroniccharacteristic; sending, by the computing device, a first particularrecommendation to the first portion of the electronic requests; andsending, by the computing device, a second particular recommendation tothe second portion of the electronic requests, where the secondparticular recommendation is sent simultaneously with the firstparticular recommendation.
 8. A device, comprising a processor to:receive a first electronic communication from a user device, the firstelectronic communication include an electronic request and time delayinformation for previous electronic communications; determine, based onthe first electronic communication, a value, the value being based onthe time delay information associated with an electronic account; send asecond electronic communication to the user device, the secondelectronic communication including a schedule of future electroniccommunications, where each of the electronic communications in theschedule of future electronic communications is scheduled to occur atparticular times in the future; receive a third electronic communicationfrom the user device based on sending the second electroniccommunication, where the third electronic communication includesconfirmation of the schedule of future electronic communication; analyzea fourth electronic communication that did not occur within theparticular period of time, where the fourth electronic communication isassociated with a first identifier; analyze that a fifth electroniccommunication did occur within another particular period of time, wherethe fifth electronic communication is associated with a secondidentifier; analyze the fourth electronic communication and the fifthelectronic communication together to determine a pattern, wherein thepattern is used to determine to the schedule of future electroniccommunications.
 9. The device of claim 8, where the first electroniccommunication, the second electronic communication includes a score, andwhere the score is used to determine the timing of the future electroniccommunications.
 10. The device of claim 8, where the fourth electroniccommunication and the fifth electronic communication are associated withone user identifier.
 11. The device of claim 8, where the fourthelectronic communication and the fifth electronic communication are eachassociated with different user identifiers.
 12. The device of claim 8,where the first electronic communication includes electronic tokeninformation that was not sent at a particular time.
 13. The device ofclaim 8, where the processor is further to: receive multiple electronicrequests from other user devices in addition to the electronic requestfrom the user device; analyze the multiple electronic requests todetermine that a first portion of the multiple electronic requests areassociated with a first electronic characteristic and a second portionof the multiple electronic characteristics are associated with a secondelectronic characteristic; send a first particular recommendation to thefirst portion of the electronic requests; and send a second particularrecommendation to the second portion of the electronic requests, wherethe second particular recommendation is sent simultaneously with thefirst particular recommendation.
 14. A non-transitory computer-readablemedium storing instructions, the instructions comprising: one or moreinstructions that, when executed by one or more processors, cause theone or more processors to: receive a first electronic message from afirst user device, analyze the first electronic message for time delayinformation associated with one or more electronic accounts, wherein thevalue is based on a time delay associated with an electronic accountassociated with the electronic information, wherein the electronicaccount is also associated with a specific electronic communication thatdid not occur within a particular period; generate a score based on thetime delay information associated with the one or more electronicaccounts; send a second electronic message, including the score, and arecommended schedule of communications, to the first user device, wherethe recommended schedule is generated before the value is determined,and the recommended schedule of communications occurs automatically andis simultaneously sent to multiple devices; receive a third electronicmessage; the third electronic message accepting or rejecting therecommended schedule of communications; analyze a fourth electroniccommunication that did not occur within the particular period of time,where the fourth electronic communication is associated with a firstidentifier; analyzing that a fifth electronic communication did occurwithin another particular period of time, where the fifth electroniccommunication is associated with a second identifier; and analyzing thefourth electronic communication and the fifth electronic communicationtogether to determine a pattern that is used to determine additionalelectronic information in the second electronic message.
 15. Thenon-transitory computer-readable medium of claim 14, wherein therecommended schedule of communications can be stopped if one or more offuture communications, associated with the recommended schedule ofcommunications, do not occur.
 16. The non-transitory computer-readablemedium of claim 14, wherein the score is based on geographical location.17. The non-transitory computer-readable medium of claim 14, where theone or more instructions cause the one or more processors to further:generate electronic multimedia based on the time delay information; andsend the electronic multimedia to the user device.
 18. Thenon-transitory computer-readable medium of claim 17, wherein the timelapse information is associated with previous electronic communicationsthat did not occur at a scheduled time.
 19. The non-transitorycomputer-readable medium of claim 17, where the one or more instructionscause the one or more processors to further: send multiple electronicrequests in addition to the electronic request from the electronicaccount; send the multiple electronic requests to determine that a firstportion of the multiple electronic requests are associated with a firstelectronic characteristic and a second portion of the multipleelectronic characteristics are associated with a second electroniccharacteristic; send a first particular recommendation to the firstportion of the electronic requests; and send a second particularrecommendation to the second portion of the electronic requests, wherethe second particular recommendation is sent simultaneously with thefirst particular recommendation.
 20. The non-transitorycomputer-readable medium of claim 19, where the one or more instructionscause the one or more processors to further: receive electronicagreement messages based on a percentage of the sent first particularrecommendations; wherein the received electronic agreement messages areaggregated together.